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General

The New Zealand payments industry is temporarily increasing the contactless payment limit without a PIN from $80 to $200 at all EFTPOS terminals. 

This increase is in response to COVID-19 as it’s been identified as a way of reducing shoppers contact with frequently touched surfaces such as the EFTPOS terminal PIN pad.

The change means that cardholders making a contactless payment won’t need to enter a PIN for a transaction of $200 or less. For ANZ cards, this applies to Visa Credit and Visa Debit cards. It also applies to transactions made using Apple Pay™ or Google Pay™. You won’t need to do anything. The limit increase will be automatically applied to the card you have. 

You may have noticed that some terminals already don’t ask for a PIN. This is because some terminals are set up to know your mobile has identified you using your fingerprint or Face ID, and don’t then require a PIN for any limit. That will continue at those terminals.

For ANZ merchant customers with a contactless enabled terminal, you won’t have to do anything as the limit increase will be automatically applied to your terminal when it logs on. To enable your terminal to accept contactless payments, you can contact us on 0800 473 453.

This is a temporary increase which will be reviewed in line with changes to the Government’s COVID-19 Alert Level.

With New Zealand currently at Alert Level 1, we have most ANZ branches resuming operation under normal or reduced hours. 

As much as possible, we encourage you to use ANZ goMoney, Internet Banking, 24/7 Automated Phone Banking, or ATMs to do your regular banking.

ATMs

ATMs remain fully stocked, so you can get cash when you need it. And remember, we don’t charge you a fee to use other banks’ ATMs so you can choose any ATM that’s convenient for you.

Debit cards, Apple Pay or Google Pay

Consider using your EFTPOS card, Visa Debit card, or Apple Pay or Google Pay for transactions, as some retailers may not be accepting cash for health and safety reasons.

Branches

Most ANZ branches will be open during Alert Level 1.

Please call 0800 269 296 and let us know you need special assistance, and we can discuss how we can help.

ANZ is in a strong financial position with plenty of capital (money) in reserve, which means we are well placed to manage through COVID-19. New Zealand has a very sound, well-regulated banking system, and as part of this we regularly run tests to check we can manage through stressful events.  

ANZ is New Zealand’s oldest bank, with a proud 180 year history of helping kiwis stay on top of their money. We’ve been around for a long time, through many ups and downs – and we aim to be here for a long time to come.

Financial support – personal and business customers

We recommend that you check what financial support is available from the Government. They may be able to help with essential living costs. Find out more on the Government’s website Unite Against COVID-19.

If you’ve lost your job you may be able to get a benefit or some other financial help from Work and Income.

Work and Income may be able to help with urgent costs like:

  • Food 
  • Accommodation costs (rent, mortgage, board) 
  • Power, gas and water bills or heating 
  • Medical and dental costs 
  • Bedding. 

You can find more information on the Work and Income website.

ANZ is also here to help you get back on top of your money. We have several financial relief options for personal and business customers impacted by COVID-19. Find out more

If you’re already experiencing significant financial hardship, please see our website for how we may be able to help you through. There is an online hardship application form, but we recommend you call us first on 0800 240 438.

We recommend that you check what financial support is available from the Government. They may be able to help with essential living costs. Find out more on the Government’s website Unite Against COVID-19.

If you can’t work at the moment or your income has been reduced, you may be able to get a benefit or some other financial help from Work and Income.

If you’re struggling to meet your living costs or had an unexpected bill Work and Income might be able to help you, even if you’re working. Even if you don’t think you qualify, contact them to talk about your situation.

Work and Income may be able to help with urgent costs like:

  • Food
  • Accommodation costs (rent, mortgage, board)
  • Power, gas and water bills or heating
  • Medical and dental costs
  • Bedding.

You can find more information on the Work and Income website.

ANZ is also here to help you get back on top of your money. We have several financial relief options for customers impacted by COVID-19. Find out more

If you’re aleady experiencing significant financial hardship, please see our website for how we may be able to help you through. There is an online hardship application form, but we recommend you call us first on 0800 240 438.

We recommend that you check what financial support is available from the Government. They may be able to help with essential living costs. Find out more on the Government’s website Unite Against COVID-19.

ANZ is also here to help you get back on top of your money. We have several financial relief options for customers impacted by COVID-19. Find out more

If you would like to discuss your situation and find out how we might be able to help, please call us on 0800 269 296.

We know that some businesses are feeling the economic impacts of COVID-19.

We recommend that you check what financial support is available from the Government. They may be able to help with wage subsidies, business cash flow and tax measures. Find out more on the Government’s website, Unite Against COVID-19.

ANZ is also here to help you get back on top of your money. We have several financial relief options for customers impacted by COVID-19. Find out more

If  you would like to discuss your situation, and find out how we might help, please contact your Banking Manager or Relationship Manager to discuss your eligibility, or call our Contact Centre:

We’ll need to know that you or your business has been impacted by COVID-19 and you’re unable to meet your fixed financial expenses.

For example, if your income has reduced or payment has been delayed, you’ve lost your job unexpectedly or your business is experiencing losses/closure.

Yes, if you have personal and business accounts with us we can help.

KiwiSaver

KiwiSaver schemes aren’t like term deposit or savings accounts where you get a set rate of interest on your money. Instead, your money is invested in a range of investments including shares, bonds, and property, and the return you get depends on how these investments perform. Balances can both go up and down.

At the moment, some investment markets aren’t doing well, because the coronavirus pandemic has badly affected many businesses and caused a lot of uncertainty. As a result, the value of many KiwiSaver schemes’ investments has fallen – and that’s reflected in your KiwiSaver account balance.

Investment markets go up and down and this is normal. In the past few years, markets have had a very strong run and returns have been very positive, so we understand that recent fluctuations can come as a shock. However it’s important to remember that ups and downs are part of investing. Many KiwiSaver members aren’t used to these kinds of fluctuations. As markets recover, KiwiSaver account balances are likely to go up again.

It’s understandable you may be worried after checking your balance on goMoney or Internet Banking. However, it’s important to remember that for most people KiwiSaver is a long-term investment. Movements in the market are part of investing.

Everyone’s situation is different and things change over time. Your fund choice should be based on your personal circumstances, for example your investment goals, timeframe and how much risk you’re willing to take. We recommend you regularly review your fund choice to make sure it’s still the best choice for you – use our Risk Profile Tool to help or talk to your financial adviser. If you do decide to switch to a different fund, you can do so online via ANZ Internet Banking or by completing our online change form.

KiwiSaver is designed as a long-term investment to help you save for your retirement. That’s why generally, your money is locked away until you turn 65. However you may be able to withdraw funds under special situations:

  • To buy your first home (if you’ve been a KiwiSaver member for three years). Conditions apply – find out more.
  • If your circumstances change, for example if you’ve moved to a different country, are experiencing significant financial hardship, or have a serious illness – find out more.

If you’re experiencing financial hardship as a result of COVID-19, there may be other options available to you. It’s important you explore these first before you consider making a significant financial hardship withdrawal from your KiwiSaver account. The New Zealand Government have support packages available, which you can view here. Your bank may also have options to relieve some financial pressure during this time. If you bank with us, you can find more information on this website.

 

Home loans

Help from the Government

We recommend you check what financial support is available from the Government. They may be able to help with essential living costs, and urgent or unexpected costs, if you’ve lost your job, your hours have been reduced, or you can’t work at the moment.

The Government is also offering a wage subsidy scheme available for all employers that are significantly impacted by COVID-19 and are struggling to pay employees. Talk to your employer if you think this might be relevant for your situation.

Find out more on the Government's website, Unite Against COVID-19, or call the free helpline on 0800 779 997 (8am-1am, 7 days a week).

Help from ANZ

Your financial wellbeing is important to us and we’re here to help you get back on top of your money. We have several financial relief options for personal and business customers impacted by COVID-19. Find out more.

Significant financial hardship

With the support options available from the Government, and solutions we may be able to offer, you might be able to find some financial relief before you get to the point of significant financial hardship.

However, if you’re already experiencing significant financial hardship, please see our website of how we may be able to help you through. We have an online hardship application form, but we recommend you call us first on 0800 240 438 (weekdays 8.30am-8pm, weekends 9am-5pm).

Yes. You can find out more on our personal banking updates page.

Home loan repayment deferrals are available until further notice and terms apply.

Eligible personal and business customers with an ANZ Home Loan may be able to apply for a home loan repayment deferral.

If you’re financially impacted by COVID-19, you can apply for a home loan repayment deferral – sometimes known as a "mortgage repayment holiday". A home loan repayment deferral allows you to pause your scheduled repayments for up to 6 months. Some terms will apply.

Although you won’t have to make your scheduled repayments, it’s important to know that the amount you owe on your loan will increase during your deferral period. We’ll still charge interest on what you owe, which will be added to your outstanding balance. You’ll then be charged interest on your outstanding balance as normal.

A home loan repayment deferral may help in the short term, but you will end up paying more on your loan over the longer term. So we recommend you carefully consider whether it’s the right option for you.

When you apply, we’ll talk through other options that may have less of an impact on your loan over the longer term. For example:

  • Although home loan repayment deferrals are available for up to 6 months, you may like to consider whether a shorter term would provide enough relief.

  • If reducing your repayments would provide enough relief, we may be able to suggest other ways to restructure your lending to reduce your repayment amount instead. For example, extending your loan term or switching to interest only repayments.

View our Relief option comparison for more information.

 

Example of a home loan repayment deferral

Karen and John take a home loan repayment deferral for 6 months.

They have a home loan of $250,000 with an interest rate of 3.50% p.a. and a 25 year term. They currently pay $1,246 a month in repayments.

If interest rates stay the same, the interest they’ll be charged over the six month loan repayment deferral is $4,493.

At the end of the loan repayment deferral, if Karen and John:

  • keep their loan term the same, their repayments will increase to $1,284.10 a month
  • keep their repayments the same, their loan term will extend by 15 months.

 

Home loan repayment deferrals are available until further notice.

Eligible personal and business customers with an ANZ Home Loan may be able to apply for a home loan repayment deferral.

If approved, a home loan repayment deferral will allow you to pause your scheduled repayments for up to 6 months. Some terms will apply.

Although you won’t have to make your scheduled repayments, it’s important to know that the amount you owe on your loan will increase during your deferral period. We’ll still charge interest on what you owe, which will be added to your outstanding balance. You’ll then be charged interest on your outstanding balance as normal.

A loan repayment deferral may help in the short term, but you will end up paying more on your loan over the longer term. So you may like to consider whether a deferral term of less than 6 months could work. The shorter the deferral term, the less impact it may have on your loan over the longer term.

 

Example of a home loan repayment deferral

Karen and John take a home loan repayment deferral for 6 months.

They have a home loan of $250,000 with an interest rate of 3.50% p.a. and a 25 year term. They currently pay $1,246 a month in repayments.

If interest rates stay the same, the interest they’ll be charged over the six month loan repayment deferral is $4,493.

At the end of the loan repayment deferral, if Karen and John:

  • keep their loan term the same, their repayments will increase to $1,284.10 a month
  • keep their repayments the same, their loan term will extend by 15 months.

Some terms will apply. To be eligible for a home loan repayment deferral, you must:

  • be a personal or business customer with an ANZ Home Loan secured by a mortgage over a residential property

  • have been financially impacted by COVID-19, or have genuine concerns COVID-19 will financially impact you in the future, and

  • be up to date on your repayments and have a good account history with us.

If you’ve already missed your repayments or your account history isn’t the best, you may still be eligible for a home loan repayment deferral. Talk to us and we can work through options for your particular situation. Please call us on 0800 269 296 (6am to 12 midnight, 7 days a week).

Home loan repayment deferrals won’t apply to ANZ Flexible Home Loans or ANZ Home Loans with Straight Line repayments. If you have Straight Line repayments, or you have an ANZ Flexible Home Loan and you’re having problems with the interest charged on your credit limit, please talk to us – there may be options that could help.

 

Home loan repayment deferrals are available until further notice.

If you’ve already missed your repayments, you may still be able to apply for a home loan repayment deferral. Talk to us and we can work through options for your particular situation. Please call us on 0800 269 296 (6am to 12 midnight, 7 days a week).

Please call us on 0800 269 296 (6am to 12 midnight, 7 days a week).

Home loan repayment deferrals are available until further notice.

Because you’ll pay more on your loan over the longer term, we recommend you carefully consider whether a home loan repayment deferral is right for you.

If reducing your repayment amount would provide enough relief, we may be able to suggest ways to restructure your lending to reduce your repayment amount. For example, extending your loan term or switching to interest only repayments may have less of an impact on your loan over the longer term.

To find out more about the difference between these options, see our Relief options information sheet.

We’ll talk you through these options when you apply.

No. Once confirmed, your home loan repayment deferral will start immediately and will pause your next scheduled repayment.    

Yes, and the fixed interest rate on your home loan will still apply. You also won’t be charged Early Repayment Recovery.

If you have an ANZ Home Loan with Principal & Interest (also called 'table') replacements:

When you apply, you’ll need to confirm what you want to happen when your deferral ends because you’ll owe more on your loan.

You can choose to:

  1. keep your repayment amount the same as it is today, which will extend your loan term, or

  2. keep your loan term the same, which means your repayment amount will increase compared to what it is today.

You can also do a combination of the above – increasing your repayment amount a bit, while also extending your loan term.

We may be able to extend your loan term beyond 30 years from the draw-down date for your loan.

Please note, Early Repayment Recovery may be charged on fixed rate ANZ Home Loans if you ask to increase your repayments above what’s needed to address any extra owing when your deferral ends.

If you have an ANZ Home Loan with Interest Only repayments:

At the end of the repayment deferral the interest charged each month will increase, as there will be more owing on your loan. If you choose to move to an ANZ Home Loan with Principal & Interest (or ‘table’) repayments at the end of your Interest Only loan term, those new repayments may be higher or the loan term longer, as you’ll owe more on the loan.

When you apply, we’ll talk you through your options and what they may mean for your loan over the longer term.

 

Example of a home loan repayment deferral

Karen and John take a home loan repayment deferral for 6 months.

They have a home loan of $250,000 with an interest rate of 3.50% p.a. and a 25 year term. They currently pay $1,246 a month in repayments.

If interest rates stay the same, the interest they’ll be charged over the six month loan repayment deferral is $4,493.

At the end of the loan repayment deferral, if Karen and John:

  • keep their loan term the same, their repayments will increase to $1,284.10 a month
  • keep their repayments the same, their loan term will extend by 15 months.

Yes. If you can restart your repayments early, you might like to do so. The shorter your home loan repayment deferral period, the less impact it may have on your loan longer term.

To restart your repayments, please call us on 0800 269 296 (6am to 12 midnight, 7 days a week).

No. A home loan repayment deferral alone will not impact your credit rating. However, if you’ve already missed some of your repayments for any reason, even if we later give you a repayment deferral, this may have impacted your credit rating.

Credit cards, overdrafts and personal loans

Help from the Government

We recommend you check what financial support is available from the Government. They may be able to help with essential living costs, and urgent or unexpected costs, if you’ve lost your job, your hours have been reduced, or you can’t work at the moment.

The Government is also offering a wage subsidy scheme available for all employers that are significantly impacted by COVID-19 and are struggling to pay employees. Talk to your employer if you think this might be relevant for your situation.

Find out more on the Government’s website, Unite Against COVID-19, or call the free helpline on 0800 779 997(8am–1am, 7 days a week).

 

Help from ANZ

Your financial wellbeing is important to us and we’re here to help you get back on top of your money. We have several financial relief options for personal and business customers impacted by COVID-19. Find out more.

 

Significant financial hardship

With the support options available from the Government, and solutions we may be able to offer, you might be able to find some financial relief before you get to the point of significant financial hardship.

However, if you’re already experiencing significant financial hardship, please see our website for how we may be able to help you through. We have an online hardship application form, but we recommend you call us first on 0800 240 438 (weekdays 8.30am-8pm, weekends 9am-5pm).

No. You’ll still be able to apply for a personal loan, credit card or overdraft if you’re an existing ANZ customer. Our normal eligibility and lending criteria will apply.

Yes, you can apply for a temporary overdraft if you’re an existing ANZ customer. Our normal eligibility and lending criteria will apply.

If you’re approved we’ll also waive the overdraft application fee and overdraft management fee for up to 3 months if you ask us when you apply.

We have a number of options you may wish to consider, including:

  • Debt consolidation using an ANZ Personal Loan
    If approved, you may be able to combine your debts like credit cards, hire purchases, store cards and more, into one easy to manage ANZ Personal Loan. Find out more

  • Balance transfer to a low rate, no fee credit card
    If approved, a balance transfer involves moving the outstanding balance from your non-ANZ credit or store card account to an ANZ Low Rate Visa with a lower interest rate for a set period of time to help save on interest while you pay the balance down. Find out more

  • Switch to a low rate, no fee credit card
    We offer credit card options to suit different needs, including reward cards and a low rate card. If you’re currently using a rewards card, you might like to consider an ANZ Low Rate card (which has a lower purchase interest rate than reward cards, and no annual card fee). Find out more

  • Existing Personal Loan customers
    If you have an existing ANZ Personal Loan and need repayment relief because of COVID-19, talk to us about your options. We may be able to suggest changes to your loan that could help reduce your repayment amount, or you could apply for a personal loan repayment deferral. Find out more.

Lending criteria, terms and conditions, and fees apply. Personal loan repayment deferrals are available until further notice.

If you’re financially impacted by COVID-19, you can apply for a personal loan repayment deferral. A loan repayment deferral allows you to pause your scheduled repayments for up to 6 months. Some terms will apply.

Although you won’t have to make your scheduled repayments, it’s important to know that the amount you owe on your loan will increase during your deferral period. We’ll still charge interest on what you owe, which will be added to your outstanding balance. You’ll then be charged interest on your outstanding balance as normal.

A loan repayment deferral may help in the short term, but you will end up paying more on your loan over the longer term. So we recommend you carefully consider whether it’s the right option for you.

When you apply, we’ll talk through other options that may have less of an impact on your loan over the longer term. For example:

  • Although personal loan repayment deferrals are available for up to 6 months, you may like to consider whether a shorter term would provide enough relief.

  • If reducing your repayments would provide enough relief, we may be able to extend your loan term to reduce your repayment amount instead.

Example of a personal loan repayment deferral

Nora takes out a personal loan repayment deferral for 2 months.

Nora has a personal loan of $10,000 with an interest rate of 13.90% p.a. and a 3 year term. She currently pays $331 a month in repayments.

If interest rates stay the same, the interest she’ll be charged over the two month loan repayment deferral is $233.97.

At the end of the loan repayment deferral, if Nora:

  • keeps her loan term the same, her repayments will increase to $353.80 a month
  • keeps her repayments the same, her loan term will extend by 3 months.

 

Personal loan repayment deferrals are available until further notice.

If approved, a personal loan repayment deferral will allow you to pause your scheduled repayments for up to 6 months. Some terms will apply.

Although you won’t have to make your scheduled repayments, it’s important to know that the amount you owe on your loan will increase during your deferral period. We’ll still charge interest on what you owe, which will be added to your outstanding balance. You’ll then be charged interest on your outstanding balance as normal.

A loan repayment deferral may help in the short term, but you will end up paying more on your loan over the longer term. So you may like to consider whether a deferral term of less than 6 months could work. The shorter the deferral term, the less impact it may have on your loan over the longer term.

 

Example of a personal loan repayment deferral

Nora takes out a personal loan repayment deferral for 2 months.

Nora has a personal loan of $10,000 with an interest rate of 13.90% p.a. and a 3 year term. She currently pays $331 a month in repayments.

If interest rates stay the same, the interest she’ll be charged over the two month loan repayment deferral is $233.97.

At the end of the loan repayment deferral, if Nora:

  • keeps her loan term the same, her repayments will increase to $353.80 a month
  • keeps her repayments the same, her loan term will extend by 3 months.

 

Personal loan repayment deferrals are available until further notice.

Some terms will apply. To be eligible for a personal loan repayment deferral, you must:

  • have an ANZ Personal Loan
  • have been financially impacted by COVID-19, or have genuine concerns COVID-19 will financially impact you in the future, and
  • be up to date on your repayments and have a good account history with us.

If you’ve already missed your repayments or your account history isn’t the best, you may still be eligible for a loan repayment deferral. There may be some extra steps that apply, but we’ll work with you through your particular situation. Please call us on 0800 269 296 (6am to 12 midnight, 7 days a week).

Personal loan repayment deferrals are available until further notice.

If you’ve already missed your repayments, you may still be able to apply for a personal loan repayment deferral. There may be some extra steps that apply, but we’ll work with you through your particular situation. Please call us on 0800 269 296 (6am to 12 midnight, 7 days a week).

Please call us on 0800 269 296 (6am to 12 midnight, 7 days a week).

Personal loan repayment deferrals are available until further notice.

Because you’ll pay more on your loan over the longer term, we recommend you carefully consider whether a personal loan repayment deferral is right for you.

If reducing your repayment amount would provide enough relief, we may be able to extend your loan term to reduce your repayment amount. This option may have less of an impact on your loan over the longer term.

We’ll talk you through these options when you apply.

No. Once confirmed, your personal loan repayment deferral will start immediately and will pause your next scheduled repayment.    

When you apply, you’ll need to confirm what you want to happen when your deferral ends because you’ll owe more on your loan.

You can choose to:

  1. keep your repayment amount the same as it is today, which will extend your loan term, or
  2. keep your loan term the same, which means your repayment amount will increase compared to what it is today.

You can also do a combination of the above – increasing your repayment amount a bit, while also extending your loan term.

When you apply, we’ll talk you through these options and what they may mean for your loan over the longer term.

 

Example of a personal loan repayment deferral

Nora takes out a personal loan repayment deferral for 2 months.

Nora has a personal loan of $10,000 with an interest rate of 13.90% p.a. and a 3 year term. She currently pays $331 a month in repayments. If interest rates stay the same, the interest she’ll be charged over the two month loan repayment deferral is $233.97.

At the end of the loan repayment deferral, if Nora:

  • keeps her loan term the same, her repayments will increase to $353.80 a month
  • keeps her repayments the same, her loan term will extend by 3 months.

Yes. If you can restart your repayments early, you might like to do so. The shorter your personal loan repayment deferral period, the less impact it may have on your loan longer term.

To restart your repayments, please call us on 0800 269 296 (6am to 12 midnight, 7 days a week).

No. A personal loan repayment deferral alone will not impact your credit rating. However, if you’ve already missed some of your repayments for any reason, even if we later give you a repayment deferral, this may have impacted your credit rating.

Term deposits and savings accounts

ANZ is in a strong position with plenty of capital (money) in reserve. We also have good liquidity – which is another way of saying that you can continue to access your money just as you do now. New Zealand has a very sound, well-regulated banking system, and as part of this we regularly run tests to assess that we can manage through stressful events. 

ANZ is New Zealand’s oldest bank, with a proud 180 year history of helping kiwis stay on top of their money. We’ve been around for a long time, through many ups and downs – and we aim to be here for a long time to come.

We understand you may need to access some or all of your term deposit funds early if you’re financially impacted by COVID-19. 

You can request an early withdrawal under our term deposit hardship policy. From 26 March 2020 until further notice, if you’re approved for an early withdrawal, we’ll also waive any interest rate reduction on the amount withdrawn. Please call us on 0800 269 296 to discuss your options.

Hardship criteria and terms apply – you can find these in our ANZ General Terms and Conditions. The information and offers above are current as at 6 April 2020 but may change without warning.

Life Insurance

Existing ANZ life insurance policies provided by Cigna New Zealand Limited (Cigna) and AIA New Zealand Limited (AIA)* don’t contain exclusions for pandemics which means that COVID-19 has no impact on your existing insurance cover.

If you need to make a claim related to COVID-19, as with any other claim, you’ll simply need to meet the eligibility requirements for your type of cover.

*Formerly known as Sovereign

If you need to make a claim, call Cigna on 0800 658 585 or email claimsnz@cigna.com.

If you need to make a claim, call AIA on 0800 500 108 or email enquirenz@aia.com.

If you hold an existing ANZ life insurance policy which includes Redundancy Cover, and you receive notice of redundancy or potential redundancy at least 180 days after the policy start date, you may be eligible to claim if made redundant as a result of the impacts of COVID-19. Your selected wait period and normal terms and conditions will apply. If you’re not sure whether you have Redundancy Cover or if you are eligible to claim, please contact Cigna directly on 0800 658 585 or email claimsnz@cigna.com.

If you hold an ANZ life insurance policy provided by Cigna and you’re experiencing financial hardship as a result of COVID-19, Cigna may be able to help. Please call Cigna on 0800 658 585 to discuss your options.

If you hold an ANZ life insurance policy provided by AIA and you’re experiencing financial hardship as a result of COVID-19, AIA may be able to help. Please visit aia.co.nz to see your options.

ANZ Life & Living Insurance is provided by Cigna.

If you’re looking to apply for a new ANZ Life & Living Insurance policy, please consider the following:

  • If you’re identified as being at a higher risk of complications from COVID-19 (e.g. you have pre-existing cardiovascular risk factors, respiratory illness or immune system compromise) Cigna may not be able to offer you cover at this time. All applications are considered on an individual basis.
  • Cigna is currently not accepting new applications for Redundancy Cover.
  • Generally, applications for Living Expenses Cover are only being considered for customers who are employed in an essential business as defined by the Government. Individual consideration will be given to customers who are not in essential business if they can evidence that they are able to work from home and are continuing to earn an income.

Credit card repayment insurance

Existing ANZ Credit Card Repayment Insurance provided by Cigna New Zealand Limited (Cigna) and AIA New Zealand Limited (AIA)* don’t contain exclusions for pandemics which means that COVID-19 has no impact on your existing insurance cover.

If you need to make a claim related to COVID-19, as with any other claim, you’ll simply need to meet the eligibility requirements for your type of cover.

*Formerly known as Sovereign

Please refer to the policy document you received when taking out the policy. If you are still unsure, please call the ANZ Contact Centre on 0800 269 296 who will be able to advise you who your cover is provided by. 

If your insurance is provided by Cigna and you need to make a claim, call Cigna on 0800 883 012 or email anzccri@cigna.com

If your insurance is provided by AIA and you need to make a claim, call AIA on 0800 500 108 or email enquirenz@aia.com

If you hold an existing ANZ Credit Card Repayment Insurance policy, you may be eligible for cover if made redundant as a result of the impacts of COVID-19 provided you meet all the terms and conditions of your policy. If you’re not sure whether you have redundancy cover or if you are eligible to claim, please contact Cigna or AIA directly.

If you wish to cancel your policy call the ANZ Contact Centre on 0800 269 296.

Before you cancel, we suggest you check your policy at anz.co.nz/CCRI to see whether you might have an opportunity to claim under your policy. If you’re still unsure, please contact:

  • Cigna on 0800 883 012, or
  • AIA on 0800 500 108

Self-service banking options

You can manage your money anytime using the ANZ goMoney app, Internet Banking or 24/7 Automated Phone Banking.

You can view your balance, move money between accounts, pay bills, friends or family, set-up and manage automatic payments, and more.

You can also send us a secure Bank Mail message through Internet Banking with your request. We’ll respond, or process your request, as soon as possible.

Find out more

Your customer number is unique to you and can be found on the back of most ANZ credit and debit cards. If you’ve checked your card/s and still can’t find your customer number, please call us on 0800 269 296.

Visit the ANZ Internet Banking login page and click on the ‘Forgot password?’ link. Follow the instructions to reset your password.

Open the ANZ goMoney app and click on ‘Menu’ and then ‘Forgot my PIN’. Follow the instructions to reset your PIN.

Contact Centre

Many of our customers have been impacted financially by COVID-19, so we’ve redeployed branch staff to help our Contact Centre team, which means we have more people available to help our customers.

Other ways to bank

Where possible, please use ANZ goMoney, Internet Banking, 24/7 Automated Phone Banking, or ATMs to do your regular banking. Using those services means our Contact Centre can focus on helping our most vulnerable customers, as well as customers who cannot bank another way, and those immediately impacted by COVID-19.

You can also send us a secure Bank Mail message through Internet Banking with your request. We’ll respond, or process your request, as soon as possible.

Find out more about banking safely and securely from home

Branches

With New Zealand currently at Alert Level 1, we have most ANZ branches resuming operation under normal or reduced hours.

Remember, please use self-service banking channels such as ANZ Internet Banking, goMoney, Phone Banking and ATMs if you are able to.

For our customer and staff safety, please don’t visit a branch if you are feeling ill or should be in self-isolation due to COVID-19. 

For our customer and staff safety, please don't visit a branch if you are feeling ill or should be in self-isolation due to COVID-19.

Our branch staff are following the Ministry of Health recommendations around handwashing and recommended hygiene practices. We've also:

  • increased the frequency of cleaning in branches before and after opening, and
  • registered branches for the NZ Tracer App QR codes.

Fraud, scams and security

If you're a victim of fraud where someone accessed and used ANZ goMoney, Internet Banking, Phone Banking or your card without your authority, please call us immediately on 0800 269 296 (international +64 4 470 3142) and we'll look at how we can help.

We'll reimburse you if you didn't act fraudulently or negligently, didn't contribute to the loss, took reasonable steps to protect your banking and complied with our Electronic Banking Conditions (PDF 129kB).

Remember to never share your banking PINs, passwords or security codes with anyone including your bank or the Police.

If you have inadvertently provided your banking PINs, password or security codes to anyone, please call us immediately on 0800 269 296 (international +64 4 470 3142).

Find out more about protecting yourself from scams, and what to do if you think you’ve been the victim of a scammer.

We invest in sophisticated fraud monitoring systems to review banking activity and transactions 24/7 for any potentially suspicious activity.

We protect your banking with a range of security and technology measures, including mobile payment security that meets international standards and best practice. We also provide services such as Online Code and Voice ID, to help protect you from the risk of identity fraud. We recommend you register for both so we can help keep you safe.

We’re committed to helping keep your banking safe, and you have a role to play too. By working together, we can keep you even safer. Find out more about what we do, and what you can do, to protect you and your banking.

Contacting us

Self-service options

The ANZ goMoney app, Internet Banking, 24/7 Automated Phone Banking, and ATMs are all available to help you do your regular banking. Using these services means our Contact Centre can focus on helping those immediately impacted by COVID-19.

Call us

You can still call us if you cannot bank another way, or if you require urgent financial support.

0800 269 296

6am to midnight

7 days a week

Other helpful information

Healthline

0800 358 5453

If you have symptoms of coronavirus, call the NZ Covid-19 Healthline

Ministry of Health website

www.health.govt.nz

Information, official guidelines and updates

Unite against COVID-19 website

www.covid19.govt.nz

Latest updates from the NZ government

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.  

A copy of the Bank's General Disclosure Statement  under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. An ANZ Authorised Financial Adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.

Fees and interest rates are subject to change. Non-standard fees may apply. Please use the following links for full details of our Terms and ConditionsFees and Charges (PDF 166kB), Rates, fees and agreementsANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103kB), and ANZ Electronic Banking Conditions (PDF 129kB).